Debt collection -- Attempts to collect debt not owed -- Complaint #8592706
Complaint Overview
Complaint ID: 8592706
Company: Afni INC.
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Kentucky
ZIP Code: 421XX
Date Received: 2024-03-18T12:00:00-05:00
Date Sent to Company: 2024-03-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
In XXXX of XXXX XXXX ported my numbers over to XXXX for better service in our contract area. I left XXXX. In order for XXXX to allow this I had to pay my bill in full and finish paying off 2 phones, which I did to the tune of about {$1400.00}. XXXX promised me {$1500.00} in rebates which I never received ( another dispute ). In XX/XX/XXXX I received a call from XXXX saying I still owed {$170.00}. I disputed it explaining that I would not have been able to port numbers to XXXX if I had a balance. We argued, I hung up on him. Then on XX/XX/XXXX I got a call from AFNI Collections stating that they were trying to collect a debt from XXXX. I politely explained the situation. He was very rude and condescending, we had a heated conversation at which point I hung up on him. That very day I received an email from my credit monitoring company that my credit had been dinged XXXX points. I called AFNI and demanded to know how 1 if theyre employees could possess the power to do that to someone when I clearly had disputed it. She said she would look into it and contact me back. They never called back but on XX/XX/XXXX the collection was removed and my score increased by XXXX points. At the time I was trying to purchase a vehicle and I was furious that they had been able to do that. I contacted a lawyer who said he could send them a demand letter for {$1000.00} for damages. I disagreed with that amount so never pursued it. Well now you can see by attached documentation that the debt has been sold to another collector and with out notice, proof or cause, they have place a derogatory mark on my credit causing my score to drop again and affecting my ability to get a good rate on a car for my daughter. I intend now to pursue it to full extent possible. This has to stop. These agencies should not possess such power!
Frequently Asked Questions
What is Complaint #8592706 about?
Complaint #8592706 was filed against Afni INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-03-18T12:00:00-05:00.
How did Afni INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Afni INC.?
Yes, visit the Afni INC. company profile at readthecomplaint.com/company/afni-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.